Personal Development

A young collegiate track athlete beams with joy as she crosses the finish line, arms raised in triumph. Wearing a black “UNIVERSITY” singlet and black shorts, she stands on a red running track with stadium bleachers blurred behind her. The moment captures the pride, relief, and exhilaration of victory after hard work and dedication on and off the track.

If you didn’t plan your way out, you were never in control.

Everyone wants to help—until you actually need it. In this game, even kindness has a price. Learn the exchange rate.